LITERASI KEUANGAN DIGITAL SISWA SMK: MENJEMBATANI KESENJANGAN ANTARA PENGETAHUAN DAN PERILAKU FINANSIAL DI ERA TEKNOLOGI
DOI:
https://doi.org/10.58174/qxr00525Keywords:
literasi keuangan, teknologi digital, perilaku finansial, siswa SMK, pelatihan partisipatif, financial literacy, digital technology, financial behavior, vocational students, participatory trainingAbstract
The massive development of digital technology has created a gap between the financial knowledge possessed by vocational school students and the financial behavior applied in daily life. This study aims to identify the level of digital financial literacy of students of SMK NIDA EL ADABI, Parung Panjang, Bogor, and measure the effectiveness of interactive-based training methods in bridging the gap between financial knowledge and behavior in the technological era. The method used was participatory training with a pre-test and post-test approach to 30 students who were selected purposively. The training material covers the basic concepts of financial literacy, pocket money management, simple financial planning, and the wise use of digital financial technology. The results of the activity showed an increase in the average score of students in financial knowledge by 42.7% after training, from an average score of 58.3 to 83.2 (scale of 100). In addition, there is a change in positive behavior which is characterized by increased student awareness in making a simple financial budget and reducing consumptive behavior. These findings confirm that participatory training-based educational interventions are able to effectively improve students' digital financial literacy while shaping more responsible financial behavior.
References
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy: Results of the OECD / International Network on Financial Education (INFE) pilot study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15. OECD Publishing. https://doi.org/10.1787/5k9csfs90fr4-en
Bank Indonesia. (2021). Laporan sistem pembayaran dan uang elektronik tahun 2021. Bank Indonesia. https://doi.org/10.21098/bi.v1i1
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7
Cupák, A., Fessler, P., Schneebaum, A., & Silgoner, M. (2021). Decomposing gender gaps in financial literacy: New international evidence. Economics Letters, 196, 109576. https://doi.org/10.1016/j.econlet.2020.109576
Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial literacy, financial education, and downstream financial behaviors. Management Science, 60(8), 1861–1883. https://doi.org/10.1287/mnsc.2013.1849
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2022). Financial education affects financial knowledge and downstream behaviors. Journal of Financial Economics, 145(2), 255–272. https://doi.org/10.1016/j.jfineco.2021.09.022
Kementerian Pendidikan dan Kebudayaan Republik Indonesia. (2020). Pendidikan literasi keuangan di sekolah. Kemendikbud.
Kim, J., & Garman, E. T. (2004). Financial stress, pay satisfaction, and workplace performance. Compensation & Benefits Review, 36(1), 69–76. https://doi.org/10.1177/0886368703261215
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Lusardi, A., Samek, A., Kapteyn, A., Glinert, L., Hung, A., & Heinberg, A. (2022). Visual tools and narratives: New ways to improve financial literacy. Journal of Pension Economics & Finance, 21(1), 104–122. https://doi.org/10.1017/S1474747221000226
Mandell, L., & Klein, L. S. (2009). The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and Planning, 20 (1), 15–24.
Morgan, P. J., & Trinh, L. Q. (2019). Determinants and impacts of financial literacy in Cambodia and Viet Nam. Journal of Risk and Financial Management, 12(1), 19. https://doi.org/10.3390/jrfm12010019
OECD. (2020). OECD/INFE 2020 international survey of adult financial literacy. OECD Publishing. https://doi.org/10.1787/c6de0a5e-en
Otoritas Jasa Keuangan. (2022). Survei nasional literasi dan inklusi keuangan (SNLIK) 2022. OJK. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-2022.aspx
Potrich, A. C. G., Vieira, K. M., & Kirch, G. (2018). How well do women do when it comes to financial literacy? Proposition of an indicator and analysis of gender differences. Journal of Behavioral and Experimental Finance, 17, 28–41. https://doi.org/10.1016/j.jbef.2017.12.005
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents' financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969–980. https://doi.org/10.1016/j.adolescence.2012.02.002
World Bank. (2018). Financial literacy and financial inclusion: Evidence and practice. World Bank Group. https://doi.org/10.1596/978-1-4648-1314-3
Xiao, J. J., & O'Neill, B. (2016). Consumer financial education and financial capability. International Journal of Consumer Studies, 40(6), 712–721. https://doi.org/10.1111/ijcs.12285
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Andri Maulana Saputra, Filly Azahra, Moh. Rafli, Ria Rosalia Simangunsong
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
